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Author Topic: might be moving  (Read 1173 times)

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Online wolfter

  • Member
  • Posts: 4,509
might be moving
« on: January 12, 2012, 01:46:45 PM »
I'm in total shock.  I went to my bank Monday to discuss them carrying a mortgage.  Decided to go ahead and pre qualify.  I rec'd the call today with the amount I'm pre qualified for my interest rate.  Never dreamt it would be this quick.  I asked her what I needed to do next; she says I just need to find my house.  Based on what I want though, there might be a few additional hoops to jump through.

I want a bit of a fixer up and don't want to lock into a high ass mortgage payment.  Just a modest little place that needs my loving touch.  Based on prelim numbers, with a modest down payment I can buy cheaper than rent.

This is moving a lot quicker than I anticipated.  Now, I just need to let this drop for a few days so my excitement doesn't override my logic and cause me to make hasty decisions.

The thought of prancing around cleaning again in my silk boxers while sipping wine and jamming just seems like another dream come true.

Wolfie
Complacency is the enemy.  ;)  Challenge yourself daily for maximum  return on investment.

Offline RAB

  • Member
  • Posts: 1,895
  • Joined March 2003
Re: might be moving
« Reply #1 on: January 12, 2012, 02:19:24 PM »
That's great news Wolf.

Now is certainly a good time to consider buying.  Interest rates are remarkably low and prices are also low.

While I wouldn't be brave enough to buy a fixer, I do agree that keeping your mortgage is a good idea.  Probably something like 20 - 30% of your monthly income including taxes and insurance.

And if you can afford at least a 20% down payment, you'll also avoid the cost of mortgage insurance.

Congratulations buddy.  Good luck on your search and keep us posted.

RAB   :)

Offline Hellraiser

  • Member
  • Posts: 4,136
  • Semi-misanthropic
Re: might be moving
« Reply #2 on: January 12, 2012, 04:50:48 PM »
Congratulations Wolfter!  Just find you the house you want and then I'll come over and help you bolt up the Sling.

Offline bocker3

  • Member
  • Posts: 3,386
  • You gotta enjoy life......
Re: might be moving
« Reply #3 on: January 12, 2012, 06:26:51 PM »
congrats Wolfie....

I am sure that you will keep your head screwed on correctly (notice, I didn't say "straight") and buy the perfect house for you.

A new home is always exciting......

Mike
Atripla - Started 12/05
Reyataz/Norvir - Added 6/06
Labs - Pre-Meds
Sep05 T=350/25% VL98,559
Nov05 288/18%  47,564
Current Labs
May2013 691/31% <20

Online wolfter

  • Member
  • Posts: 4,509
Re: might be moving
« Reply #4 on: January 12, 2012, 07:46:59 PM »
Thanks guys.  Just a short while ago, I wasn't sure I'd be around to pay next month's bills.  Now here I am looking at long term investments. :)  Living with my mother was perfectly fine when I was sick, but I really can barely tolerate it any longer.  It's not her, it's not me, it just is what it is. 

I contacted a realtor friend of mine to set up a meeting.  My gut tells me to go with a rehab.  I enjoy that kind of work and might as well capitalize on my abilities.  I'll be taking it slow and easy.  Luckily, it's not mission critical and I do have some time on my side. 

wolfie
Complacency is the enemy.  ;)  Challenge yourself daily for maximum  return on investment.

Offline denb45

  • Member
  • Posts: 5,051
  • "1987 Classic Old School POZ+"
Re: might be moving
« Reply #5 on: January 12, 2012, 08:11:15 PM »
Greg let me know if you'll be needing a man with a strong back and a weak mind, to help you around your new place, I'm available for hire  ;D
"it's so nice to be insane, cause no-one ask you to explain" Helen Reddy cc 1974

Online wolfter

  • Member
  • Posts: 4,509
Re: might be moving
« Reply #6 on: January 12, 2012, 08:14:44 PM »
Greg let me know if you'll be needing a man with a strong back and a weak mind, to help you around your new place, I'm available for hire  ;D

Maybe I can have an unoffical AMG house rehabing event?  Thanks D

Wolfie
Complacency is the enemy.  ;)  Challenge yourself daily for maximum  return on investment.

Online wolfter

  • Member
  • Posts: 4,509
Re: might be moving
« Reply #7 on: January 12, 2012, 08:20:00 PM »
Here is the problem with wanting to stay in my current area.  1/10th of an acre sells for $40,000.  Definitely looks like a rehab if I want to be on the lake.

http://columbus.craigslist.org/reb/2740601186.html
Complacency is the enemy.  ;)  Challenge yourself daily for maximum  return on investment.

Offline leatherman

  • Member
  • Posts: 6,183
  • Google and HIV meds are Your Friends
Re: might be moving
« Reply #8 on: January 12, 2012, 08:39:20 PM »
Maybe I can have an unoffical AMG house rehabing event?
I have experience. I have tools. tell me when to be there ;)
leatherman (aka mIkIE)


chart from 1992-2013; updated 2/09/13  Reyataz/Norvir/Truvada

Offline numbersguy82

  • Member
  • Posts: 292
Re: might be moving
« Reply #9 on: January 13, 2012, 06:33:52 AM »
Congrats!!! I hope you find that perfect place. I'm in to help with the rehabbing... altho preferrably something involving power tools... I'm addicted as of late. Good luck and keep us posted on your progress :)
8/10- 73 cd4, 7%, and 300k VL *First Labs*
9/10- Started Norvir, Prezista, and Truvada
10/10- 511 cd4, 22%, and 886 VL
12/10- 498 cd4, 22%, and 106 VL
3/11- 529 cd4, 29%, and 101 VL
8/11- 620 cd4, 30%, and 74 VL- Switched to Atripla
10/11- 580 ce4, 30%, and 62 VL
12/11- 684 cd4, 31%, and FINALLY *UD*

Offline mecch

  • Member
  • Posts: 11,651
  • red pill? or blue pill?
Re: might be moving
« Reply #10 on: January 13, 2012, 06:46:07 AM »
I'm in total shock.  I went to my bank Monday to discuss them carrying a mortgage.  Decided to go ahead and pre qualify.  I rec'd the call today with the amount I'm pre qualified for my interest rate.  Never dreamt it would be this quick.  I asked her what I needed to do next; she says I just need to find my house.  Based on what I want though, there might be a few additional hoops to jump through.

I want a bit of a fixer up and don't want to lock into a high ass mortgage payment.  Just a modest little place that needs my loving touch.  Based on prelim numbers, with a modest down payment I can buy cheaper than rent.

This is moving a lot quicker than I anticipated.  Now, I just need to let this drop for a few days so my excitement doesn't override my logic and cause me to make hasty decisions.

The thought of prancing around cleaning again in my silk boxers while sipping wine and jamming just seems like another dream come true.

Wolfie

Totally jealous!
I want a fixer upper. Actually if I were really middle class i'd love a cottage totally renovated.  My brother has a fixer upper and its a constant drain. 
Im jealous cause I went to two banks last year to see about  mortgages and they laughed me out of the office, almost.  Your basic little house is 1 million bucks (USD) in unimportant medium sized towns here. 
I bet you can get a good house now that the market is down in the States. 
Enjoy the househunting!   Im working up the courage to look a rental apartments again. I saw a very large one online; its in a forgotten industrial little town in the Jura Mountains. When I was a kid I dreamed of buying an old sturdy house in some town like that in the states. I'd like to have Stookie Stackhouse's house.  Not the mansion in American Horror!
“From each, according to his ability; to each, according to his need” 1875 K Marx

 


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